DCU Visa Platinum® Secured Credit CardUnaffiliated Apply Now
DCU Visa Platinum® Secured Credit CardUnaffiliated
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|Community Rating||Strongly recommended|
|Purchase APR||Starting at 13%|
|Balance Transfer APR||Starting at 13%|
|Credit Score Range||300 - 640|
Who is this credit card designed for?
DCU Visa Platinum® Secured Credit Card is a secured credit card credit card issued by Digital Federal Credit Union, which is based in Marlborough, MA. Secured cards are a type of credit card that is backed by a secured payment, which is used as collateral. These cards are often used by borrowers with poor credit or little credit history to help build their credit.
DCU Visa Platinum® Secured Credit Card is designed for people with a credit score of 300 to 640. It's perfect for consumers looking for a card without an annual fee. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR. Digital Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.
What are the relevant APRs?
DCU Visa Platinum® Secured Credit Card has a variable purchase APR starting at 13%.
The card has a variable balance transfer APR starting at 13%.
It also has a variable cash advance APR starting at 13%.
Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Is an introductory APR offer available?
No, DCU Visa Platinum® Secured Credit Card does not come with an introductory APR offer for balance transfers.
DCU Visa Platinum® Secured Credit Card does not offer an introductory rate on new purchases.
What are the fees?
The following fees apply to DCU Visa Platinum® Secured Credit Card:
- There is no annual fee.
- A late payment penalty of up to $35.
- A returned payment fee of up to .
- There is no overlimit fee
- There are no foreign transaction fees.
Is a rewards program offered?
No, DCU Visa Platinum® Secured Credit Card does not offer a rewards program.
Is a signup bonus offered?
DCU Visa Platinum® Secured Credit Card doesn't offer a cash signup bonus.
Is an annual loyalty bonus offered?
DCU Visa Platinum® Secured Credit Card doesn't offer a cash loyalty bonus.
What additional benefits are offered?
DCU Visa Platinum® Secured Credit Card provides the following benefits:
Does DCU Visa Platinum® Secured Credit Card report your account activity to credit bureaus?
DCU Visa Platinum® Secured Credit Card reports your account activity to the following credit reporting agencies:
Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.
Other Services by Digital Federal Credit Union
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
|Returned Payment Fee||$0|
|Grace Period for Late Payment (Days)||25|
|Minimum Interest Charge||$0|
|Foreign Currency Transaction Fee||0%|
|No Annual Fee|
|No Foreign Transaction Fee|
|Late Fee Amount||$35|
|Credit Score Range||
300 - 640
|Immigration Status Considered||
|Employment Statuses Considered||
|Supported Income Types||
|Car Rental Insurance|
|Lost Luggage Insurance|
|Credit Card Benefits||
|Purchase APR (Variable APR)||Starting at 13%|
|Cash Advance APR (Variable APR)||Starting at 13%|
|Balance Computation||average daily balance (including new purchases)|
|Balance Transfer APR (Variable APR)||Starting at 13%|